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We cover so much more than just your house—including other structures on your property (barn, pool, fence, etc.), your belongings, and even temporary living expenses during home repairs. And yes, these coverages come standard at no extra cost. It’s how we make sure your home and way of life are protected.
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How our homeowners insurance coverages protect you
We automatically include some of these coverages (with all insurers in our network) and offer more optional coverages. See all of our homeowners insurance coverages.
House & other structures
This coverage pays to repair or completely rebuild your house, attached and unattached structures (garage, deck, porch, swimming pool, shed, fence, etc.). You’re covered against fire, wind, hail, tornados, falling trees/limbs and more. See what’s covered with different home insurance policies.
Hotel and living expenses
If you can’t stay at home during repairs, your homeowners insurance covers hotel stays and even meals (above what you’d normally pay). For example, if you normally spend $250 on groceries/week but need to spend $500 eating out, you’ll get $250.
Liability covers property damage and injury lawsuits. For example, if someone is injured on your property or your child ruins a friend’s expensive piece of artwork and sues you, this covers legal fees + damages. You can add coverages for libel, slander, or other lawsuits.
Your personal belongings
Furniture, clothes, electronics, appliances, tools, power equipment, etc. are covered (even if they’re not in your home). You may have to add a separate coverage for jewelry, art or other expensive items. If so, give us a call at the end of your home insurance quote.